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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $45,327 | $48,364-6.3% | $71,796-36.9% | $62,881-27.9% |
| Participation rate | 47.1% | 60.6%-13.5pp | 69.1%-22.0pp | 69.3%-22.2pp |
| Annual return | 8.93% | 13.16%-4.2pp | 78.04%-69.1pp | 20.14%-11.2pp |
| Employer contribution / active EE | $434 | $1,042-58.4% | $1,924-77.5% | $2,281-81.0% |
| Participant deferral / active EE | $1,400 | $2,091-33.0% | $2,794-49.9% | $3,203-56.3% |
| Admin fee / account holder | $3,327 | $3,771-11.8% | $4,815-30.9% | $4,296-22.5% |